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Why is life insurance important?

  • It covers your financial commitments. 
  • It allows your family to maintain their standard of living. 
  • It covers death-related expenses.
  • It allows you to leave a legacy. 
  • It ensures business continuity. 
  • It completes life insurance coverage offered through your employer.


  • You are never too young to buy life insurance, since the younger you are, the lower the cost of your premium, no matter what type of coverage you choose. 
  • You can always re-evaluate which type of insurance is right for you to ensure you are properly covered.

We offer 4 types of life insurance to meet your needs

Term life insurance

Affordable coverage to meet your temporary needs

Protects your loved ones for a pre-determined period while you have greater financial commitments.

It's the ideal solution if:

  • You have dependent children and are on a tight budget
  • You have short- and medium-term loans to repay

Permanent life insurance

Lifetime insurance coverage

Permanently protects your family and your legacy.

It's the ideal solution if:

  • You would like to leave a legacy
  • You would like to be protected, even if your health changes
  • You would like to ensure the continuity of your business

Participating life insurance

Permanent life insurance that ensures the growth of your estate

Protects your family while giving you access to dividends1.

1 Annual participations are not guaranteed and vary annually.

It's the ideal solution if:

  • You want to leave a larger estate to your loved ones and, if needed, benefit from liquidity for your retirement
  • You want to offer your children or grandchildren a solid financial foundation
  • You are a business owner looking for life insurance coverage which generates growth

Universal life insurance

A combination of permanent life insurance and savings

Offers you lifetime coverage and the opportunity to save with certain tax benefits.

It's the ideal solution if:

  • You would like to leave a significant inheritance
  • You have contributed the maximum amount to your RRSP and your TFSA
  • You would like to protect the value of your company

Compare the different kinds of life insurance we offer

Term Permanent Universal Participating
Coverage term 10 to 40 years For life For life For life
Cost $ $$ $$$ $$$$
Cash value
Savings component
Annual participations1
1 Annual participations are not guaranteed and vary annually.